(1)If it won't impoverish the seller because it is so small, why does it impoverish you the buyer?
(2)How much time and money do you spend running around to get a money order/cashiers check, plus postage/envelopes; and why is this preferrable to you, rather than paying 3% more and getting the item shipped the next or same day?
(3)If the seller could just raise the price 3% to cover the fee, why are you unable to offer 3% less?
4)If someone asking for the 3% was selling a rare piece of gear you've always wanted to own, but could not find, at a price so low, it is the deal of the century even with the 3%, would you not buy it as a matter of pricipal?